Ethics tells us how and why to be moral human beings. Insurance likes to explain how we are protected when bad things happen. Let's face it, regardless of how careful we are bad things are bound to happen, even if you have a track record of 99% safety in driving a vehicle there's always that 1% chance you'll get into an accident. No one's perfect, but we should all try our very best to be safe, because accidents happen and they can get out of control. That being said it's safe to say that each person should try and understand what ethics are and what morals are. Not considering that you may feel like you're the smartest person on the planet that doesn't take away from the fact that if you don't practice safe ethics, or morals you'll come off looking like one of the dumbest. I merely say this because our youth in general aims at accomplishing a lot but fail to realize that in simplistic matters if you don't practice your morals or ethics wisely in actuality you aren't proving to the world you're smart, you're doing the opposite. It's simple things that most people over look like listening to someone's opinion even if you don't agree with them, I don't believe it's fair, or nice of a person to tell anyone that they're foolish or wrong for having a different opinion, and if you don't even take the time to listen to their p.o.v. then what good is your ethical standpoint. 2nd it's plain mean when you tell someone that you can't stand them, or hate them, or that they should cause harm to themselves, but all these actions are taken by those that have crossed lines or barriers in their life, and burned enough bridges to think that they're special enough to be allowed to engage in this kind of activity. For one thing it's plain wrong, and again isn't a safe practice of morality. My last point and this is a simple one, if you do something that causes harm to another persons property, such as walking into a persons room, and bumping something off their desk, and causing that object to hit something of theirs the polite thing to do is to apologize, I would assume you'd be heartfelt enough to realize that this is what any normal human being that cared, would do. Rather it's unfair and infact immature to blame the person, in the room for your error or mistake. But then again sometimes the things we learn when we're little we forget, and just have to be reminded, the world is only difficult because as we grow older we forget common decency to one another, and when we learn how to be civil again we'll realize what we're truly afraid of. :sunny: